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+100
Years Combined Experience
+200
Financial Professionals
+10,000
Households Served
10 Billion
Insurance In-Force
Frequently Asked Questions
What is disability insurance and why do I need it as a doctor or medical professional?
Disability insurance replaces a portion of your income if you’re unable to work due to illness or injury. For physicians and surgeons, whose earning potential depends heavily on their ability to practice, it’s essential protection for long-term financial stability.
When is the best time to buy disability insurance as a doctor?
Ideally, during residency or early in your career—premiums are lower and medical underwriting is easier when you’re young and healthy, but insurance companies will always be able to suit you with the right plan no matter your age or current situation
How much disability coverage should I have?
Most experts recommend enough to replace 60–70% of your after-tax income. High-income physicians may need supplemental individual policies to maintain their standard of living.
How do I apply for disability insurance?
You’ll start with an application that includes basic health, lifestyle, and current working situation questions. Depending on the policy, you may need to supply us with a updated medical exam or have a medical exam preformed. After approval, you’ll choose your coverage amount and we will draw up the best insurance suited specifically for you and your situation.